Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$190,597Cash toward the purchase price.
Closing costs + prepaids$21,766Not just lender fees.
Before credits & paid funds$212,363The complete starting cash picture.
Estimated remaining funds due at closing
$212,363No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$190,597.18
Your down payment$190,597.18
Closing costs + prepaids$21,765.75
Total buyer cash needed$212,362.93
Remaining funds due$212,362.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$7,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,972.01
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,962.50
Prepaid interest, first (24 days)$2,763.24
Fees + prepaids$21,765.75
Your down payment is the seller’s equity. You take over the $594,403 balance, so the rest of the $785,000 price is paid at closing. A second mortgage can cover part of it. $212,362.93 is due at closing. Uses and sources reconcile at $806,765.75 each. Not a Closing Disclosure.